A new survey by Credit Karma finds that contrary to trending criticisms, young people really are interested in “adulting” in pretty traditional ways. They are getting married and buying homes and cars in large numbers. Urban, suburban and rural 18-34 year-olds are starting families and using credit cards.

Owning a home is a hallmark of American life. People often chase the ideal of having a house, a vehicle and a grill they can use during cookouts with friendly neighbors. There’s just one problem, according to Zillow home prices have been rising steadily since 2012, with many buyers also held back by stricter lending standards in the market since the housing crash in 2007.

Despite all of the reports to the contrary, a new survey from Credit Karma shows that millennials still value and desire owning a home. Ninety-two percent of Millennial couples we spoke to plan on buying a house. Having their own home factors in huge in how Millennials measure their own financial progress in life: 83 percent saw it as an essential part of what defines financial success.

Consumer debt levels keep hitting all-time highs. But Credit Karma data looking at average consumer debt for our more than 40 million members shows there are still some cities where borrowing isn’t spiking so high.

Want to own a home? You may want to ditch the big city. We consulted our data to find the US cities where the highest percentage of Credit Karma members had mortgages, and small cities dominated. Of the top 15 cities, none had more than 250,000 residents, and all but three had less than 200,000.

Where the US cities with the highest average mortgages were all out west, the 15 cities where Credit Karma members had the lowest average mortgage according to our data* spread all over the country: the Midwest, South and Northeast.

If you’re thinking about buying property in California, you might need to see how deep your pockets go. While the Golden State is known for its beaches and endless summers, it’s also home to some of the priciest real estate in the country. According to Credit Karma user data,* of the 15 U.S. cities where our members have the highest average mortgages, 14 were located in California.